A clear, sidebyside look at the most common MetLife dental plans. Dental insurance can be confusing because coverage levels, costsharing, and network restrictions vary widely from one plan to another. A wellorganized comparison chart lets you quickly see: Using these insights, you can match a MetLife plan to your personal oralhealth needs and financial goals. MetLife offers three primary individual and family plans in the United States. The chart below focuses on the most widelyavailable versions as of 2024. Premiums are shown as typical market rates and can vary by state, employer contribution, and size of the family unit. All percentages are calculated after the applicable deductible is met. YearEnd Rollover. MetLife does not allow unused benefits to roll over; any amount not spent by December31 is lost. Coordination of Benefits (COB). If you have both dental and medical coverage that includes oral surgery, MetLife will coordinate payments to avoid duplicate billing. Appeals Process. Disputes regarding claim denials can be appealed within 90 days. Documentation such as Xrays and dentist notes speeds the process. Customer Support. The company offers a 24/7 helpline, an online portal for claim tracking, and a mobile app that lets you locate innetwork dentists instantly. MetLifes dental plans are tiered to fit a range of budgets and oralhealth scenarios. The Basic PPO is a lowcost entry point for routine care, the Standard PPO adds moderate coverage for more extensive work, and the Premier PPO is a premium choice for families or individuals who want the most comprehensive protection, including orthodontic benefits. Use the comparison chart above to lineup your anticipated dental expenses against each plans cost structure. When you match the plans strengths to your personal needs, youll maximize the value of your dental insurance and keep unexpected outofpocket expenses to a minimum. For the most uptodate pricing and plan availability in your state, visit the official MetLife Dental page or contact a licensed insurance broker.MetLife Dental Comparison Chart
Why a Comparison Chart Matters
MetLife Dental Plan Options
Feature MetLife Dental Advantage PPO (Basic) MetLife Dental Advantage PPO (Standard) MetLife Dental Advantage PPO (Premier) Monthly Premium (individual) $23 $34 $48 Family Premium (average) $68 $101 $143 Annual Maximum $1,000 $1,500 $2,000 Deductible (Individual) $50 $30 $0 Deductible (Family) $150 $90 $0 Preventive Care (cleaning, exam, Xray) 100% after deductible 100% after deductible 100% after deductible Basic Restorative (fillings, simple extractions) 70% after deductible 80% after deductible 80% after deductible Major Restorative (crowns, bridges, dentures) 50% after deductible 60% after deductible 70% after deductible Orthodontics (incl. Invisalign) Not covered 15% after deductible 20% after deductible Network Size ~85% of US dentists ~92% of US dentists ~95% of US dentists OutofNetwork Reimbursement 50% of usual & customary 60% of usual & customary 70% of usual & customary Waiting Period for Major Services 12 months 6 months No waiting period Coordination with Medical Insurance Limited Standard Enhanced Ideal For Budgetconscious individuals who need basic preventive care. Families who want moderate coverage for routine and occasional major work. Those seeking comprehensive coverage, including orthodontics and higher annual max. How to Choose the Right Plan
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